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Documents Crucial to Getting a Home Loan

Once you meet with your lender to fill out a loan application for a residential mortgage, bring a copy of as many of the following documents to make the loan process move a lot quicker:

  • • Driver's license, state ID, or passport
  • • Social Security card
  • • Paycheck stubs for most recent 30 days
  • • W-2 or 1099 tax forms from the previous two years
  • • 1040 Tax returns from the past two years, and business if applicable
  • • Award letter or paperwork linked to income received from Social Security, disability or retirement pensions
  • • Copy of signed purchase contract, counter offers, and all addendum for the subject property
  • • Checking, savings, CD, brokerage and 401k / IRA account statements for the past two months
  • • HUD-1 settlement statement from the recent sale of any real property
  • • Summary of all outstanding debts, including credit cards, car loans, and student loans
  • • List of all real estate owned, including market value, mortgage statements, property tax, insurance, and lease agreements
  • • Letter of explanation for any recent credit inquiries or delinquent accounts on your credit
  • • Documentation covering the past 12 months of child support or alimony payments
  • • Divorce decree and any related documents

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